Does The Car Insurance Cover The Driver Or The Car?

  1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    The rule of thumb with auto insurance is, it follows the driver first and the vehicle second. If you are driving a vehicle that is not yours your auto insurance will typically provide coverage for the accident first and then if the claim exceeds your coverage a claim could also be charged against the vehicle owners auto insurance coverage.
    Answered on May 19, 2013
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